Affordable Car Insurance Rates in Somerville, MA (2021)
Car insurance rates in Somerville, MA are $298/month on average. By law, Massachusetts drivers need to carry at least 20/40/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Somerville car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Secured with SHA-256 Encryption
|
Written by
Leslie Kasperowicz
|
|
Reviewed by
Melanie Musson
|
UPDATED: Apr 14, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
- Average car insurance rates in Somerville, MA are $298/month
- The cheapest car insurance company in Somerville for teen drivers is State Farm
- Average car insurance rates in Somerville, MA for senior drivers are $2,309/year
Average car insurance rates in Somerville, Massachusetts are $298 a month. But with a little research you can get a great deal from the top car insurance companies in Somerville, MA. Before you buy Somerville, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.
It may even be helpful to compare Somerville car insurance rates with Lynn car insurance rates, Quincy car insurance rates, or Lowell car insurance rates to make sure you’re getting the best Somerville, MA car insurance quotes available.
Need affordable Somerville, MA car insurance? Enter your ZIP code to compare Somerville car insurance quotes from multiple car insurance companies near you.
Table of Contents
Somerville, MA Minimum Car Insurance Coverage
Somerville, Massachusetts law requires drivers carry a minimum of 20/40/5 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Somerville, MA Car Insurance Rates by Coverage Level
Some Somerville drivers can get by with the Massachusetts minimum coverage of 20/40/5. Other drivers may need more. See how much your Somerville, Massachusetts car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,597 | $3,973 | $4,153 |
| GEICO | $2,794 | $3,107 | $3,243 |
| Liberty Mutual | $4,736 | $5,146 | $5,352 |
| Progressive | $4,461 | $4,960 | $5,169 |
| State Farm | $1,517 | $1,704 | $1,801 |
| Travelers | $3,652 | $4,127 | $4,348 |
| USAA | $2,243 | $2,461 | $2,560 |
Somerville, MA Car Insurance Rates by Age, Gender, and Marital Status
Somerville, Massachusetts car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Somerville, MA car insurance, get quotes from multiple car insurance companies in the Somerville area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,560 | $2,560 | $2,560 | $2,560 | $7,641 | $7,641 | $2,871 | $2,871 |
| GEICO | $2,192 | $2,192 | $2,024 | $2,024 | $5,696 | $5,696 | $2,280 | $2,280 |
| Liberty Mutual | $3,562 | $3,562 | $3,101 | $3,101 | $9,922 | $9,922 | $3,727 | $3,727 |
| Progressive | $2,822 | $2,822 | $2,704 | $2,704 | $10,866 | $10,866 | $3,062 | $3,062 |
| State Farm | $1,205 | $1,205 | $1,205 | $1,205 | $3,081 | $3,081 | $1,205 | $1,205 |
| Travelers | $3,205 | $3,205 | $2,822 | $2,822 | $6,581 | $6,581 | $3,561 | $3,561 |
| USAA | $1,775 | $1,775 | $1,748 | $1,748 | $4,199 | $4,199 | $1,964 | $1,964 |
Somerville, MA Car Insurance Rates for Teens
How much is Somerville, Massachusetts car insurance for teens? Compare rates from top Somerville car insurance companies below to help find the cheapest teen car insurance in Somerville, MA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,641 | $7,641 |
| GEICO | $5,696 | $5,696 |
| Liberty Mutual | $9,922 | $9,922 |
| Progressive | $10,866 | $10,866 |
| State Farm | $3,081 | $3,081 |
| Travelers | $6,581 | $6,581 |
| USAA | $4,199 | $4,199 |
Somerville, MA Car Insurance Rates for Seniors
Before seniors buy Somerville, Massachusetts car insurance, they should make sure to shop around. Some Somerville, MA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,560 | $2,560 |
| GEICO | $2,024 | $2,024 |
| Liberty Mutual | $3,101 | $3,101 |
| Progressive | $2,704 | $2,704 |
| State Farm | $1,205 | $1,205 |
| Travelers | $2,822 | $2,822 |
| USAA | $1,748 | $1,748 |
Somerville, MA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Somerville, Massachusetts car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Somerville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,008 | $4,530 | $5,086 | $3,008 |
| GEICO | $2,453 | $3,344 | $3,803 | $2,592 |
| Liberty Mutual | $3,973 | $5,481 | $6,591 | $4,267 |
| Progressive | $4,077 | $5,770 | $4,561 | $5,046 |
| State Farm | $1,319 | $1,809 | $2,151 | $1,417 |
| Travelers | $3,141 | $4,364 | $4,661 | $4,003 |
| USAA | $1,716 | $2,237 | $3,810 | $1,922 |
Somerville, MA Car Insurance Rates With a DUI
Even a single DUI can increase your Somerville, MA car insurance rates. Compare rates below to see which Somerville car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,086 |
| GEICO | $3,803 |
| Liberty Mutual | $6,591 |
| Progressive | $4,561 |
| State Farm | $2,151 |
| Travelers | $4,661 |
| USAA | $3,810 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Somerville, MA Car Insurance Rates by ZIP Code
Just like Somerville car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Somerville, MA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 2143 | $3,576 |
| 2144 | $3,576 |
| 2145 | $3,576 |
Somerville, MA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Somerville, MA car insurance rates may be. Let’s take a look at average car insurance rates from top Somerville companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,780 | $4,036 |
| GEICO | $3,002 | $3,095 |
| Liberty Mutual | $4,880 | $5,276 |
| Progressive | $4,864 | $4,864 |
| State Farm | $1,635 | $1,713 |
| Travelers | $3,848 | $4,237 |
| USAA | $2,354 | $2,489 |
Somerville, MA Cheapest Car Insurance Rates
How do the top Somerville, Massachusetts car insurance companies’ average rates stack up against the Somerville average monthly car insurance rates of $298? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Somerville, MA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Somerville, Massachusetts car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,908 |
| GEICO | $3,048 |
| Liberty Mutual | $5,078 |
| Progressive | $4,864 |
| State Farm | $1,674 |
| Travelers | $4,042 |
| USAA | $2,421 |
Other Factors Affecting Somerville, MA Car Insurance Rates
Before you buy Somerville, Massachusetts car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Somerville, MA Commute Time
How does your Somerville, MA commute time compare with the average driver? In Somerville, the average commute is 32.6 minutes.
Somerville, MA Car Insurance Quotes
Compare Somerville, MA car insurance quotes from multiple companies by entering your ZIP code now.